Asset Based Lending gives real estate investors and business owners a powerful way to leverage existing holdings and unlock larger funding amounts
Unlock the Capital Sitting Inside Your Assets.
If you own real estate or other qualified assets, you may already be sitting on significant untapped capital. Asset Based Lending, commonly known as ABL, is a financing strategy that allows investors and business owners to use the value of what they already own as leverage to secure larger, more flexible funding amounts than unsecured lending programs can ever provide.
At Atlas Funding Group, our Asset Based Lending solutions are built around the real world needs of investors and operators who move fast, think strategically, and need financing that keeps pace with their ambitions. Whether you are acquiring a new investment property, refinancing an existing one, pulling equity to fund a business expansion, or structuring a deal around a commercial asset — our team builds creative, competitive financing solutions designed to maximize the value of your holdings.
Why Asset Based Lending Opens Doors That Other Programs Cannot.
Leverage What You Already Own
Asset Based Lending allows you to put your existing real estate and qualified assets to work for you. Instead of letting equity sit idle, ABL lets you unlock that capital and redeploy it into new investments, business growth, or operational needs — without selling what you have built.
Access Funding Amounts.
Because ABL is secured by the value of a tangible asset, lenders are able to offer significantly larger funding amounts than unsecured programs. The stronger your asset, the more capital you can access — making ABL one of the most powerful tools for investors and operators with strong real estate holdings.
Flexible Structuring
No two ABL deals are exactly alike. Our team works to structure every financing solution around the specific asset, the specific deal, and the specific goals of each client. Whether it is a fix and flip, a rental property, a commercial acquisition, or an equity pull — we build the deal around you.
Faster Approvals
Because the approval is anchored in the value of the asset rather than a lengthy income verification process, ABL deals can move significantly faster than conventional bank financing. Our team knows how to prepare and position your file to move through underwriting as efficiently as possible.
Ideal Investors
Whether you are acquiring your first investment property or managing a multi-asset portfolio, our ABL solutions scale with your ambitions. We work with first time investors and seasoned operators alike, structuring deals that fit where you are today and where you are headed tomorrow.
Lender Network.
Atlas Funding Group has built strong relationships with lenders who specialize specifically in asset backed financing. This means we can shop your deal across multiple specialized lenders, find the most competitive terms available, and close deals that generalist lenders would turn away.
Earn While You Refer
Our referral partners get paid.
We pay 1% referral commissions on funded deals. That is not small change. We have written checks to our referral partners for $50,000 and more. If you know business owners who need capital, we want to reward you for the introduction.
Straight answers to help you understand how ABL works and whether it is the right fit for your situation
Common Questions About Asset Based Lending
What exactly is Asset Based Lending?
Asset Based Lending is a financing strategy where the loan or credit facility is secured by the value of a tangible asset — most commonly real estate, but also equipment, inventory, or other qualified holdings. Because the loan is backed by a real asset, lenders can offer larger amounts and more flexible terms than unsecured lending programs. The focus is on the value and equity of the asset rather than solely on income or credit score.
What types of assets qualify for ABL?
Real estate is the most common qualifying asset and includes residential investment properties, commercial properties, mixed use buildings, fix and flip projects, and rental portfolios. In some cases, equipment and other business assets may also qualify. Our team will evaluate your specific holdings and let you know exactly what can be leveraged in your situation.
How much can I borrow through Asset Based Lending ?
Funding amounts are primarily determined by the value and equity of the qualifying asset. Loan to value ratios vary by lender and deal type, but ABL generally allows for significantly larger funding amounts than unsecured programs. Our team will assess your asset and give you a realistic picture of what is available based on current lender standards.
Do I need perfect credit to qualify for ABL?
Not necessarily. Because the loan is secured by a tangible asset, lenders place less emphasis on credit scores than they would for unsecured financing. While credit is still a factor in most ABL deals, a strong asset can compensate for a less-than-perfect credit profile in many cases. Our team will evaluate your full picture and identify the best path forward.
Can I use ABL to pull equity from a property I already own?
Yes. One of the most common uses of Asset Based Lending is pulling equity from existing real estate holdings to fund new investments, business expansion, or operational capital. If you have equity sitting in a property, our team can help you structure a deal that unlocks that capita
client testimonials
Their strategic insights and data-driven approach helped us identify untapped opportunities
We've worked with several consulting firms in the past, but Atlas Funding group stands out for their ability to deliver results.
Their consultants took the time to understand our unique needs and delivered strategies that exceeded our expectations.
